Curtis Kirkey - Mortgage Agent Level 2, Lic M08005743

Curtis Kirkey - Mortgage Agent Level 2, Lic M08005743 Mortgage Agent - Level 2
Licence
Mortgage Architects
Brokerage #12728

10/15/2025

Does this apply to you? There could be savings waiting! Call, email or DM me and let’s take a look!

10/14/2025

🚨 Locked in a 5-Year Fixed mortgage in mid-late 2023? THIS IS FOR YOU! 🚨

💰 Potential Savings Opportunity!

💡 Why this matters:
Lenders calculate penalties based on posted rates. Right now, posted rates are higher than they should be, which can mean a lower penalty if you’re looking to refinance or switch.

⚠️ Important: Banks can lower posted rates at any time without affecting their actual mortgage rates, so timing is crucial—acting sooner could save you more.

🏦 Potentially Eligible Mortgages:

Scotiabank
Maturity: May 9 – Sept 14, 2028
(Submission Date: N/A)

TD
Maturity: May 9 – Dec 18, 2028
(Submission Date: July 27, 2023 or earlier)

RBC
Maturity: Apr 8 – Nov 11, 2028
(Approval Date: June 27, 2023 or earlier)

BMO
Maturity: May 9 – Nov 28, 2028
(Approval Date: July 4, 2023 or earlier)

CIBC
Maturity: May 8, 2028 – May 8, 2029
(Submission Date: N/A)

National Bank
📩 If you’re with National Bank, reach out—I can take a look!

💬 DM me for a FREE personalized Mortgage Analysis!
I can run the numbers to see if the potential savings justify the break cost and help you understand your options.

—Curtis Kirkey - Factor Mortgage Team
Mortgage Agent Level 2 | Lic M08005743
Mortgage Architects | Brokerage Lic #12728
P: 613-403-4850 | E: [email protected]
W: factormortgages.ca

10/14/2025

🚀 Exciting news for my clients and partners!

I’m always looking for ways to add real, ongoing value — not just during the mortgage process, but for your entire financial journey. That’s why I’m thrilled to announce that all of my current mortgage clients will now begin receiving monthly reports from Ownwell Canada (ownwell.ca) — a powerful homeowner insights platform designed to keep you informed and in control of your biggest investment: your home.

These reports provide a clear, professional snapshot of:
🏡 Your current estimated home value
📈 How your equity is growing
💰 Your mortgage balance and payoff progress
💡 Opportunities to refinance, invest, or tap into equity
📊 Market trends and insights to help you make smarter financial decisions

Think of it as your personal home-finance dashboard — another reason why working with me gives you an edge, beyond just mortgages.

With decades of experience in all things financial, I’m here to help you navigate not only your mortgage, but your broader financial picture. If there’s something I don’t handle directly, I can connect you with trusted professionals to make sure you’re covered.

And for my financial and realtor partners: Ownwell is also a fantastic way to add value for your clients. Partnering with me to offer Ownwell reports can help you strengthen relationships, stay top-of-mind, and provide meaningful insights that clients will appreciate long after their transaction is complete.

This is just one of the ways I strive to add value, save you time, and give you confidence in your financial decisions — today and well into the future.

—
Curtis Kirkey – Factor Mortgage Team
Mortgage Agent Level 2
Mortgage Architects
Lic. M08005743 | Brokerage #12728
📞 (613) 403-4850 | ✉️ [email protected]
🌐 factormortgages.ca

07/30/2025

🌟 Mid-Week Mortgage Update from Your Mortgage Guy! 🌟

It’s only Wednesday, but the Factor Mortgages Team is already having a fantastic week!

✅ One amazing first-time buyer couple officially moved into their new home this week — their perfect starter home with room to grow their family 🏡❤️
✅ Another first-time buyer file fully approved and ready to go
✅ A self-employed client got the green light using a stated income program — a great win after being turned down by their bank
✅ Two upcoming renewal clients are restructuring into more flexible mortgage plans to pay down faster while still keeping access to equity — so they’re ready to act fast on future investments
✅ Two more clients pre-approved — one entering the market, and another looking to upgrade

The market isn’t dead — we’ve just shifted back to pre-COVID pace. There’s still solid activity and great opportunities if you’re prepared.

Thinking about buying, refinancing, or renewing? Let’s build the right strategy for you.

📩 Message me anytime or visit factormortgages.ca to get started.

– Curtis Kirkey | Mortgage Agent Level 2
📱 613-403-4850
📧 [email protected]
Lic # M08005743
🏡

🏡 Why Use a Mortgage Agent Instead of Just Your Bank?Most people walk into their bank for a mortgage without realizing: ...
05/20/2025

🏡 Why Use a Mortgage Agent Instead of Just Your Bank?

Most people walk into their bank for a mortgage without realizing: your bank can only offer its own limited products.

A licensed mortgage agent has access to dozens of lenders, including:

🔹 A Lenders – Big banks & mortgage finance companies with the lowest rates, but strict rules. Best for borrowers with strong credit & stable income.
🔸 Alternative Lenders (B Lenders) – More flexible options for self-employed or credit-challenged clients. Rates are slightly higher, but easier to qualify.
🔻 Private Lenders – Short-term solutions for tough situations (bad credit, no proof of income, urgent deals). Fast, but higher rates.

✨ Whether you’re buying, refinancing, or just exploring your options — a mortgage agent can shop the market for you and find the best fit.

💬 Have questions or want to see what you qualify for? Send me a message — I’m here to help!

Curtis Kirkey, Mortgage Agent Level 2,
Lic M08005743
Mortgage Architects
Brokerage Lic #12728
P. (613) 403-4850
E. curtis@factormortgagesca
W. factormortgages.ca

"Wow! I’m incredibly honored to receive the President’s Award and be recognized among the Top 10% of Mortgage Architects...
02/05/2025

"Wow! I’m incredibly honored to receive the President’s Award and be recognized among the Top 10% of Mortgage Architects' brokers in Canada! 🎉🇨🇦

I’m also beyond proud to be part of Team Borle, which was recognized as the Top Producing Mortgage Architects' Team in Canada! 🏆🔥

A huge THANK YOU to my amazing clients, partners, and supporters—this achievement wouldn’t be possible without you. Your trust and loyalty mean the world to me, and I’m beyond grateful for the opportunity to help you navigate your mortgage journey.

Here’s to another year of growth, success, and making dreams come true! 🏡✨ "

Want the most powerful mortgage calculator right at your fingertips? Get prequalified, calculate scenarios, anything yo...
01/30/2025

Want the most powerful mortgage calculator right at your fingertips? Get prequalified, calculate scenarios, anything you need.

Download my app today - and let's get you ready for your next mortgage!

https://maapp.ca/app/curtis-kirkey/download

BANK OF CANADA RATE UPDATEBank of Canada cuts the key rate by another quarter point (0.25%) as easing cycle slows. Just...
01/29/2025

BANK OF CANADA RATE UPDATE

Bank of Canada cuts the key rate by another quarter point (0.25%) as easing cycle slows.

Just another in the many rate cuts coming to Canadians as the Bank returns the prime lending rates back to normal levels. What does this mean for your mortgage? Contact me today and lets chat!

Curtis Kirkey
Mortgage Agent LEVEL 2, Licence M08005743
Mortgage Architects
Brokerage License #12728
P. (613) 403-4850
E. [email protected]
W. kirkeymortgages.ca

Bank of Canada has decreased their overnight lending rate by another 0.5% to 3.25%.Does this directly affect your curren...
12/11/2024

Bank of Canada has decreased their overnight lending rate by another 0.5% to 3.25%.

Does this directly affect your current approvals with fixed rates - no. Fixed rates are based off of Bank of Canada bond yields - bond yields constantly fluctuate and are a forward indicator of what the market thinks the BOC will do - so those have already been priced in.

But if you are in a variable product - which with where current rate trends are going is a very good idea - then yes, you will take advantage of this drop!

What does 2025 hold? Believe it or not according to many of the large bank economists we could see another 1% to 1.25% drop by the end of 2025 as well.

Do we have a crystal ball? No. But a good broker is following market trends and looking at the data, not just trusting the headlines. Back in April many people thought there would not be many rate cuts, and putting people into long term fixed rate mortgages. On the other hand I have been recommending variable rate mortgages all year - and many of my clients are seeing the rewards already.

If YOU need that kind of advice I'd love to talk, call text or email me anytime!

Curtis Kirkey, Mortgage Architects
Mortgage Agent Level 2, Lic. M08005743
[email protected]
613-403-4850

08/08/2024

If you closed a mortgage last year in 2023, or even earlier this year when fixed rates were in the high 5’s there is a good chance you can save money with a refinance or mortgage switch to a more competitive lender.
With bond yields and rates dropping the IRD penalties (especially with the big 5 banks) are likely to increase, and once they do it will be hard for the math on a switch to a more flexible term to make sense.
Wondering if you can save on your mortgage? Give me a call or email and I’d love to go through the numbers with you!

Curtis Kirkey,
Mortgage Agent Level 2, Lic. M08005743
[email protected]
613-403-4850
DLC National Ltd FSRA #12360

Address

Belleville, ON

Telephone

+16134034850

Website

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